Property sums insured and rebuild cost gap rises more than 10%
The combined difference between declared buildings sums insured and rebuild costs of nearly 47,000 properties assessed by RebuildCostASSESSMENT.com has reached approximately £20.12bn.
The figure in its latest annual findings was around £2.36bn higher than in comparable 2025 data.
Based on 46,917 rebuild cost assessments carried out across the UK, the company’s 2026 Property Insurance Infographic found underinsurance accounted for £15.61bn of the gap, compared with £4.51bn linked to overinsurance.
UnderinsuranceRebuildCostASSESSMENT.com observed underinsurance has fallen each year since 2022 – when it affected 83% of properties – to 67% now.
Overinsurance moved in the opposite
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